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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $47,650 | $97,732-51.2% | $83,831-43.2% | $135,380-64.8% |
| Participation rate | 50.0% | 80.0%-30.0pp | 76.1%-26.1pp | 82.6%-32.6pp |
| Annual return | -1.89% | 1287.56%-1289.4pp | 850.99%-852.9pp | 519.81%-521.7pp |
| Employer contribution / active EE | $1,473 | $4,222-65.1% | $3,631-59.4% | $4,779-69.2% |
| Participant deferral / active EE | $3,606 | $4,683-23.0% | $4,082-11.7% | $5,609-35.7% |
| Admin fee / account holder | $2,790 | $6,675-58.2% | $5,479-49.1% | $10,828-74.2% |